This week, we unveiled our new Saving for Retirement ad campaign to empower Americans to take control of their financial futures. In fact, two in five households headed by Americans ages 55-64 have no assets saved for retirement, according to the National Institute on Retirement Security.

We understand that retirement planning can sometimes leave people overwhelmed, confused or even paralyzed. But what most people don’t realize is that they already have the financial know-how to tackle this challenge.

That is why we teamed up with the Ad Council to launch a PSA campaign that will remind consumers they have what it takes to save for retirement. The PSAs celebrate financial milestones and successes Americans have already mastered—from home ownership and vacation planning, to financing a child’s education—and urge them to apply that same financial know-how to get on track with their retirement savings.

To inspire people to take action, the PSAs direct people to AceYourRetirement.org which helps break down the retirement savings process into easy, actionable steps. After answering a few questions about their savings and goals, each person will receive a personalized Action Plan that highlights three practical next steps they can take to get on track for their retirement. The process takes roughly three minutes. The recommendations cover a wide range of topics, such as how to get the most out of a workplace retirement plan, how to turn a hobby into a source of income during retirement or how to have a conversation with family members about getting on the same financial page.

In addition to the ads and online resources, AARP Vice President of Financial Security Jean Setzfand participated in several TV interviews to discuss the retirement crisis confronting Generation X and how the campaign can help people get on the right track for retirement.

It’s the idea behind the long-running AARP-supported drive to establish new retirement savings plans for the 55 million private sector workers in America – who don’t have access to a workplace savings program. The idea was the brainchild of current AARP Senior Strategic Policy Advisor David John and Mark Iwry, a former Senior Fellow at the Brookings Institute.

About ten years ago, David and Mark created a campaign that sought to give workers – often low-income and employees of small businesses – a little “nudge” to save by pushing automatic savings into a simple payroll deduction IRA. That is, unless the employee chose to opt-out.

A 2017 AARP study titled “Access to Workplace Retirement Plans by Race and Ethnicity” and other studies showed that workers are 15X’s more likely to save if they have a savings deduction plan at work.

Auto-IRA was first considered in Congress, with the Automatic IRA Act of 2007, but the legislation did not move ahead. However many states, with powerful backing from AARP, moved to fill the gap with their own versions.

Current AARP Board member and former US Comptroller General David Walker is still very passionate about this push and spoke about it in a recent op-ed in that ran in USA Today. In the op-ed, Walker remarked that “the states are closer to the people and they are often more willing and able to test creative solutions.”

At this time, thirty states are in some stage of considering what AARP calls “Work and Save” state-based, private sector programs. The states include: Utah, Arkansas and Utah. Illinois, California, Connecticut, Maryland, Oregon, Washington State and New Jersey have already approved their programs.

Some in Congress are seeking to – as Walker says – “undermine bipartisan state solutions to the retirement savings deficit faced by many Americans” by considering a veto of Department of Labor regulations that would make it easier for American workers to save – without a viable workplace retirement savings option. And the Senate is contemplating following the House’s lead.